SubZero vs BYOSW

Take control of every subscription you pay for, from streaming services to gym memberships.\n\nSubZero helps you see recurring costs clearly, track free trials and prepare for upcoming payments.\n\nSMART TRACKING\nAdd subscriptions and recurring payments in seconds\nSee monthly and yearly spending at a glance\nGroup costs by category\nSet a monthly budget and receive an alert when you go over it\n\nTRIALS AND REMINDERS\nTrack free-trial end dates\nReceive reminders before a trial or payment date\nReview active and paused subscriptions in one place\n\nANALYTICS\nView spending trends and category breakdowns\nFind your most expensive subscriptions\nCompare costs in your preferred currency\n\nPRIVACY AND SECURITY\nProtect the app with Face ID or Touch ID\nDelete your account and associated cloud data from Settings\n\nSubZero is free to download. Premium features require an auto-renewable subscription. Choose monthly or yearly Premium in the app. Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless canceled at least 24 hours before the current period ends. You can manage or cancel them in your Apple Account subscription settings.\n\nTerms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/\nPrivacy Policy: https://emircifci.github.io/subzero/privacy.html

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers. 【Sound familiar?】 • Eight friends took turns paying on a trip, and now nobody can untangle the currencies. • Roommates split utilities, but the bill is different every month and someone always feels shortchanged. • Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair. • A group gift where everyone chipped in different amounts. • You spotted a friend a cab fare three months ago and forgot. byosw handles all of these. 【How it fits real life】 • Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip. • Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap. • Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly. • Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe. • Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency. 【Why byosw】 byosw covers every step of splitting expenses in one place: • Four split methods: equal, exact, percentage, shares • Live multi-currency conversion • Smart settlement (minimum transfers to clear all debts) • Real-time push notifications, activity history, friend system • Three sign-in methods, three languages, light/dark themes Settle the money, then go enjoy each other's company. 【Privacy】 byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers. Full privacy policy: https://byosw.fcreps.com/privacy/ 【Account Deletion】 Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately. 【Support】 Questions or feedback: support@fcreps.com